Automotive insurance protects the unexpected things that might happen to you on the road such as road accidents or you hit some animals while you are driving. It protects you depending on the coverage that you have. Although auto insurance is required by almost every state there are still many who do not insure their vehicles.Some think it is not worth it while others wants to get one but don’t have enough money. Getting insurance can be expensive but today you can now find affordable and cheap auto insurance in your local state or online.When you have insurance and you are caught in a road accident you have the right to claim provided that the accident is covered within the agreement between yourself and the insurance company. Here are some things about automotive insurance settlements.Automotive insurance settlements will allow individual that is involved in the accidents to claim or receive financial reimbursement for the accident expenses some of this includes fund to replace or repair the car that has been damage and some will be medical bills for treating the injuries of the people who are involved in the accident.If you caught in a road accident then you need to go to your insurance company and claim for your insurance. However when claiming your insurance you need to know all the requirements first so that you can claim your insurance.One of the requirements is formal documents like police reports this is to show that you are not at fault in the road accident. If the other party’s insurers do not contact you, you can then composed a letter that tells the details of the accident and attach to it the complete documents that will, support your claim you can also include the picture of the accident.After this there will be negotiations with the authorized insurance company claim adjusters, the claim adjuster will be the one to give a specific range of money to the claimant depending on the gravity and the facts of the accident that happened.The negotiation begins when the claimant will demand a counter amount closer to their damage and expenses then the process will continue until they agree of an amount but if they can’t agree the claimant can then ask the help of an attorney to facilitate with the negotiations.Doing research and knowing the necessary information about auto insurance settlements can also be a big help to you also reading feedback and comment can also help you for this will let you know what to expect when claiming your insurance settlements.